2012-08-15T10:59:04-05:00 2011-12-31 341874260 CBIZ MHM LLC 11440 TOMAHAWK CREEK PARKWAY LEAWOOD KS 66211 990 2011-01-01 440544335 MAZUMA CREDIT UNION MAZU 8163614194 9300 TROOST AVENUE KANSAS CITY MO 64131 BRANDON MICHAELS 8163614194 2012-08-15 1 JAMES ANDERSON P00366436 9132341000 2011 2016-02-24 21:20:13Z BRANDON MICHAELS 9300 TROOST AVENUE KANSAS CITY MO 64131 40814970 0 1984 X WWW.MAZUMA.ORG X 1949 MO A COOPERATIVE FINANCIAL INSTITUTION, OWNED BY THE MEMBERS (52,500), THAT PROVIDES DEPOSIT AND LOAN PRODUCTS TO THE MEMBERSHIP (AND ONLY TO THE MEMBERSHIP). 9 9 230 13 225956 0 0 0 31386098 33531764 -459670 151868 0 0 30926428 33683632 0 0 0 0 10395655 10330333 0 0 0 22081720 19215945 32477375 29546278 -1550947 4137354 427628309 451826698 392642697 412885748 34985612 38940950 A COOPERATIVE FINANCIAL INSTITUTION, OWNED BY THE MEMBERS (52,500), THAT PROVIDES DEPOSIT AND LOAN PRODUCTS TO THE MEMBERSHIP (AND ONLY TO THE MEMBERSHIP). 0 0 DEPOSIT SERVICES FOR 52,500 MEMBERS CONSUMER AND BUSINESS LOAN SERVICES FOR 52,500 MEMBERS MORTGAGE LOAN SERVICES FOR 52,500 MEMBERS 0 0 0 0 0 0 0 1 0 1 0 0 1 1 1 0 1 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 1 1 0 0 1 X 21128 0 1 230 1 1 0 0 0 0 0 0 0 0 X 9 9 0 0 0 0 1 1 0 1 1 0 1 1 1 1 1 1 0 1 1 1 1 1 MO X MARIE SHRAKE 8163614194 9300 TROOST AVE KANSAS CITY MO 64131 JOHN WALLS 2.00 X 0 0 0 DAVID KUDRIN 2.00 X 0 0 0 BILLY WILSON 2.00 X 0 0 0 GERALD ROSENBLUM 2.00 X 0 0 0 BOB DURBIN 2.00 X 0 0 0 SHAUN HENDERSON 2.00 X 0 0 0 ALBERT RUIZ 2.00 X 0 0 0 MAHESH SHARMA 2.00 X 0 0 0 SANDRA TILLMAN 2.00 X 0 0 0 WILLIAM AKRIGHT 2.00 X 0 0 0 BRANDON MICHAELS 40.00 X 144274 0 9479 GORDON GREGORY 40.00 X 127158 0 5107 DANIEL ENGELHARD 40.00 X 124207 0 8897 DEBORAH BARNETT 40.00 X 122734 0 7608 ERIC JONES 40.00 X 118108 0 9232 ROBERT GIVENS 40.00 X 296883 0 9135 DENISE KELLY 40.00 X 117870 0 7412 DALE INLOW 40.00 X 113592 0 8562 GEORGE SHERMAN 40.00 X 119786 0 8964 CHRISTIAN MARCUSSEN 40.00 X 101691 0 8505 1386303 0 82901 10 0 1 0 BLUE CROSS BLUE SHIELD OF KC 2301 MAIN KANSAS CITY MO 64108 HEALTH CARE 1467560 TRUHOME SOLUTIONS 9777 RIDGE DRIVE LENEXA KS 66219 MORTGAGE PROCESSING 437003 STRAHM AUTOMATION AND MAILING 1700 BROADWAY STREET KANSAS CITY MO 64108 STATEMENT MAILING 424185 CLAYCO THE ART OF SCIENCE AND BUILDING 2199 INNERBELT BUSINESS CENTER DR ST LOUIS MO 63114 ENGINEERING 250000 DIEBOLD 5995 MAYFAIR ROAD NORTH CANTON OH 44720 ATM MAINTENANCE 154463 10 INTEREST INCOME 522100 20818177 20818177 SERVICE FEES 522100 10505536 10505536 OTHER INCOME 522100 1408213 1408213 MEMBERS FINANCE 523000 325725 325725 NON MEMBER FEES 522100 225956 225956 248157 248157 33531764 7283206 7131338 151868 151868 151868 33683632 33305808 225956 151868 1230256 6826515 500374 1160986 612202 479244 384754 123195 1162068 873838 522159 163669 5637662 1002127 1103463 PROVISION FOR LOAN LOSS 3108451 CHECK CARD PROGRAM 1070214 OTHER EXPENSES 1042876 REPAIRS AND MAINTENANCE 835773 1706452 29546278 8937421 33852337 11025483 1238876 296458311 290872684 485771 562544 21571445 10492274 11511798 11079171 56862320 81589124 2458776 2531744 39888429 30100218 427628309 451826698 2884431 3605213 18000000 8000000 371758266 401280535 392642697 412885748 X 0 0 0 0 34985612 38940950 34985612 38940950 427628309 451826698 X 4137354 -182016 X 0 1 1 X 0 1 468014 2755052 2778125 444942 0 2341815 2341815 11699014 4300163 7398851 482815 468588 14227 7047801 5723523 1324278 11079171 NCUSIF DEPOSIT 3812288 TIME DEPOSITS 11759243 OTHER ASSETS 13133811 ACCRUED INTEREST RECEIVABLE 1394876 30100218 OTHER LIABILITIES 2013544 MEMBERS' SHARES & SAVINGS ACCOUNTS 399266991 401280535 PART IV, LINE 1B: WE HAVE A CUSTODIAL ACCOUNT BELONGING TO FANNIE MAE IN WHICH LOAN PAYMENTS MADE ON LOANS SOLD TO FANNIE MAE HAVE BEEN DEPOSITED. THROUGH OUR SERVICING AGENT, TRUHOME SOLUTIONS, THESE FUNDS ARE SENT TO FANNIE MAE MONTHLY, OR WHENEVER THE BALANCE IS GREATER THAN $10,000, WHICHEVER IS FIRST. AS THE OWNER AND SERVICER OF LOANS SOLD TO FANNIE MAE, WE ARE CONTRACTUALLY OBLIGATED TO COLLECT LOAN PAYMENTS, CONSISTING OF PITI, ON THESE LOANS AND DEPOSIT THEM INTO A CUSTODIAL ACCOUNT ON BEHALF OF FANNIE MAE. WE ARE OBLIGATED TO REPORT THESE DEPOSITS AND TO TRANSFER THESE DEPOSITS TO OTHER FANNIE MAE ACCOUNTS AS SPECIFIED IN CONTRACTUAL DOCUMENTS WITH FANNIE MAE. WE USE AN AGENT CALLED TRUHOME SOLUTIONS TO MANAGE FANNIE MAE CUSTODIAL ACCOUNTS. DESCRIPTION OF UNCERTAIN TAX POSITIONS UNDER FIN 48: PART X: THE CREDIT UNION IS EXEMPT FROM MOST FEDERAL, STATE, AND LOCAL TAXES UNDER THE PROVISIONS OF THE INTERNAL REVENUE CODE AND STATE TAX LAWS. THE INCOME TAXES TOPIC OF THE FASB ASC CLARIFIES ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES REPORTED IN THE CONSOLIDATED FINANCIAL STATEMENTS. THE INTERPRETATION PROVIDES CRITERIA FOR ASSESSMENT OF INDIVIDUAL TAX POSITIONS AND A PROCESS FOR RECOGNITION AND MEASUREMENT OF UNCERTAIN TAX POSITIONS. TAX POSITIONS ARE EVALUATED ON WHETHER THEY MEET THE "MORE LIKELY THAN NOT" STANDARD FOR SUSTAINABILITY UPON EXAMINATION BY TAX AUTHORITIES. THE CREDIT UNION IS A STATE-CHARTERED CREDIT UNION AS DEFINED IN INTERNAL REVENUE CODE (IRC) SECTION 501(C)(14). AS SUCH, THE CREDIT UNION IS EXEMPT FROM FEDERAL TAXATION OF INCOME DERIVED FROM THE PERFORMANCE OF ACTIVITIES DIRECTLY RELATED TO ITS EXEMPT PURPOSES. HOWEVER, IRC SECTION 511 IMPOSES A TAX ON THE UNRELATED BUSINESS INCOME (UBI) DERIVED BY STATE-CHARTERED CREDIT UNIONS. BEGINNING IN MARCH 2008, THE INTERNAL REVENUE SERVICE (IRS) RELEASED TECHNICAL ADVICE MEMORANDUMS (TAMS) TO SPECIFIC STATE-CHARTERED CREDIT UNIONS SPECIFYING THE REVENUE SOURCES SUBJECT TO UNRELATED BUSINESS INCOME TAX (UBIT). UBI MAY ALSO BE SUBJECT TO TAX IN CERTAIN STATES. MANAGEMENT HAS ASSESSED THE CREDIT UNION'S ACTIVITIES AND ANY POTENTIAL FEDERAL OR STATE INCOME TAX LIABILITY AND DETERMINED THAT THE CREDIT UNION HAS NO UNCERTAIN TAX POSITIONS THAT QUALIFY FOR EITHER RECOGNITION OR DISCLOSURE IN THE CONSOLIDATED FINANCIAL STATEMENTS. ADDITIONALLY, NO INTEREST AND PENALTIES HAVE BEEN RECORDED IN THE ACCOMPANYING CONSOLIDATED FINANCIAL STATEMENTS RELATED TO UNCERTAIN TAX POSITIONS. CURRENTLY, THE 2010, 2009, AND 2008 FEDERAL INCOME TAX RETURNS ARE OPEN FOR EXAMINATION BY THE IRS. THE FILING YEARS OPEN FOR EXAMINATION BY THE STATE, IF APPLICABLE, MAY BE EQUAL TO, GREATER THAN OR LESS THAN THE YEARS OPEN FOR EXAMINATION BY THE IRS. X X X 1 1 X 0 1 0 BRANDON MICHAELS 130074 0 14200 0 0 0 0 0 9479 0 153753 0 0 0 ROBERT GIVENS 236627 0 44152 0 16104 0 0 0 9135 0 306018 0 0 0 PART I, LINE 4B ROB GIVENS, FORMER CEO, PARTICIPATED IN A 457F PLAN. NO FUNDS WERE CONTRIBUTED IN 2011 FOR ROB'S FUTURE BENEFIT. EXPLANATION FOR NOT FILING FORM 990-T FORM 990, PART V, LINE 3B HISTORICALLY, THE NET INCOME GENERATED FROM UNRELATED BUSINESS ACTIVITIES HAS RESULTED IN A LOSS. FURTHERMORE, A NET OPERATING LOSS WAS GENERATED FROM UNRELATED BUSINESS ACTIVITIES FOR THE 2011 TAX YEAR. THE TAXPAYER HAS THEREFORE ELECTED NOT TO FILE A 2011 FORM 990-T. THE TAXPAYER WILL ANALYZE WHETHER THE 990-T SHOULD OR SHOULD NOT BE FILED GOING FORWARD. FORM 990, PART VI, SECTION A, LINE 6 EVERY INDIVIDUAL THAT HAS A DEPOSIT OF $25.00 IN THE CREDIT UNION HAS OWNERSHIP OF 1 VOTING SHARE OF THE ORGANIZATION AND MAY VOTE ON THE ELECTION OF BOARD MEMBERS. NO MEMBER HAS MORE THAN 1 VOTING SHARE, REGARDLESS OF THE TOTAL AMOUNT OF DEPOSITS IN THAT MEMBER'S ACCOUNT. WE HAVE APPROXIMATELY 52,500 MEMBERS. FORM 990, PART VI, SECTION A, LINE 7A THE ORGANIZATION IS RUN BY A BOARD OF DIRECTORS MADE UP OF ORGANIZATION MEMBERS THAT WERE VOTED IN BY ALL OTHER MEMBERS OF THE ORGANIZATION. FORM 990, PART VI, SECTION B, LINE 11 THE VP/CFO PROVIDES INPUT INTO THE PREPARATION OF THE 990 AND 990T AND REVIEWS THE RETURNS PRIOR TO FILING. THE CEO ALSO REVIEWS THE 990 AND 990T RETURNS PRIOR TO FILING. THEN, THE CEO REPORTS THE FILING OF THE 990 AND 990T TO THE BOARD AND MAKES THE RETURNS AVAILABLE FOR PUBLIC INSPECTION. FORM 990, PART VI, SECTION B, LINE 12C CONFLICT OF INTEREST STATEMENTS ARE OBTAINED EACH YEAR FROM MANAGEMENT, THE BOARD OF DIRECTORS, AND THE SUPERVISORY COMMITTEE. FORM 990, PART VI, SECTION B, LINE 15 THE CEO'S COMPENSATION IS BASED UPON CONTRACT AND REACHING PREDETERMINED BENCHMARKS. ALL OTHER PAID EMPLOYEES ARE BASED UPON A STANDARD SALARY GRID AND ANNUAL REVIEW PROCESS. BONUSES, IF ANY, ARE PAID BASED UPON SUCCESSFUL COMPLETION OF MAJOR PROJECTS. FORM 990, PART VI, SECTION C, LINE 19 FINANCIAL STATEMENTS ARE POSTED IN BRANCH LOBBIES. POLICIES ARE AVAILABLE BASED UPON REQUEST AND FOLLOWING SPECIFIED PROCEDURES. CHANGES IN NET ASSETS OR FUND BALANCES: FORM 990, PART XI, LINE 5: CHANGE IN ACCUMULATED OTHER COMPREHENSIVE INCOME -182,016. TOTAL TO FORM 990, PART XI, LINE 5: -182,016. BEYOND MARKETING 16011 COLLEGE BLVD STE 208 LENEXA KS 66219 582670690 MARKETING MO CU HOLDING CO UNRELATED -230729 145909 0 0 0.90000 XTRA CASH LLC 16011 COLLEGE BLVD STE 208 LENEXA KS 66209 205881652 PAYDAY LOANS MO CU HOLDING CO 86764 515869 0 0 1.00000 CU HOLDING COMPANY LLC 16011 COLLEGE BLVD STE 208 LENEXA KS 66219 870695887 HOLDING CO. MO MAZUMA CU C 52360 1866865 1.00000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 BEYOND MARKETING LLC O 1081621